We use our own funds, which means faster approvals and more flexibility compared to banks or third-party lenders. By removing the middleman, we can tailor financing to your situation and make the process simpler and more personal.
Been there, approved that
We’re able to provide auto loans for a wide variety of credit circumstances
Calculate your car loan based on your desired payment
We help all credit types
Bad credit / no credit
For those with late or missed payments or with no credit
First time applicants
For clients who have never had a loan before and need to build credit
Divorce
For individuals facing divorce, unexpected events, or financial changes.
Car loan after bankruptcy
We help clients who are moving on from declaring bankruptcy to get approved for an auto loan
Newcomers and first-time buyers
Birchwood Credit provides auto financing to newcomers to Canada or first-time car buyers.
Consumer Proposal
For applicants who are in a repayment agreement with creditors
Slow, late or missed payment history
We provide auto loans to clients who have experienced issues with payments
Poor credit due to unexpected events
For individuals facing divorce, unexpected events, or financial changes.
What to expect with Birchwood Credit
From your first click to driving away, our simple and transparent process makes getting an auto loan simple and low-stress.
Personalization
Understand your situation
Unlike banks and other lenders, we discuss your credit situation with you and ensure you understand it. We’ll also give you tips on how to rebuild your credit and achieve financial freedom.
Specialization
A unique lending model
Since we offer in-house financing, we lend our own money and can give faster approvals and better rates. We look at you as a person with a unique financial situation, not just the number on your credit score.
Service
An amazing experience
With over 2000 client reviews and counting, there are thousands of client success stories that we are uniquely proud of. We work to change our customers’ lives for the better.
How it works
We help clients from all financial situations get approved for auto lending. Whether you’re new to Canada, rebuilding credit, or buying your first car, Birchwood Credit makes the process simple and stress-free.
Apply online in minutes to receive pre-approval, usually within 24hrs
Work with our team for a personalized lending structure
Finalize your auto loan, select your vehicle and drive away
Why we’re different.
1. In-house financing.
2. All credit welcome.
Whether you have perfect credit, poor credit, or no credit history at all, we can help. Our credit experts specialize in working with every financial situation and will guide you through options that make sense for your budget.
3. Personalized payment plans.
We design repayment schedules around your lifestyle, not the other way around. With flexible terms, you can adjust your loan length and payment amounts to match your monthly comfort zone, ensuring affordability without added stress.
What vehicle brands do we offer?
Through our partnerships with the 18 dealerships in the Birchwood Automotive Group, we’re able to offer a wide variety of vehicle makes and models.
Honda
The popular Civic sedan is a favourite amongst Birchwood Credit clients, with other available models including the CR-V, Accord, Odyssey and more.
Ford
Birchwood Credit is proud to offer a wide variety of Ford vehicles including F-150, Escape, Explorer and Bronco amongst others.
Hyundai
As one of the largest vehicle manufacturers in the world, Hyundai has many popular vehicle models including the Elantra sedan, Sonata and Tucson SUVs and Santa Cruz pickup truck.
And many more…
Birchwood Credit has access to a wide variety of different vehicle makes and models, including SUVs, minivans, hybrids and more.
Trusted by thousands of customers
Hear how we turned financing challenges into smooth rides—with care, speed, and dignity.
I came in on a Thursday to look for a car. I left with an awesome VW On Saturday that same weekend. This is amazing considering my Credit following a nasty separation… absolutely amazing people.
Janelle R.
Winnipeg, MB
5.0
I’m truly grateful for the team at Birchwood Credit. Over the past five years, they’ve been instrumental in helping me repair my credit while driving some very nice cars.
Rob T.
Winnipeg, MB
5.0
Really great place to get you in a vehicle. I have gotten my past three vehicles there. They have always been helpful.
Ric G.
Winnipeg, MB
5.0
5 Stars is just not enough for this Company! Simply saying “thank you” doesn’t feel sufficient for what this company and its employees did for us. They truly went above and beyond, and I cannot praise them enough.
Calvin S.
Winnipeg, MB
5.0
Karl and the entire team were really impressive and amazing. They provided the top of the service customer service. The whole process was very fast and unbelievable and got me into my desired vehicle without delay. Thank you Karl!
Ola O.
Winnipeg, MB
5.0
If you are going through rough times and you currently went through bankruptcy or your car is coming to it’s final end, birchwood credit is definitely the place to go.
Aaron R.
Winnipeg, MB
5.0
Colin went above and beyond our expectations and got us in a brand-new Nissan Qashqai. Would highly recommend you go if you’re in the market to get a vehicle! Thank you!!!
Kevin R.
Winnipeg, MB
5.0
I had an amazing experience thanks to Kreg. He was very professional, patient, and kind — truly went above and beyond to help me. Kreg explained everything clearly, made the process easy and stress-free, and made me feel confident every step of the way.
Valerij S.
Winnipeg, MB
5.0
Awesome service from Palvinder on helping me obtain a new vehicle. Everything from the beginning to the end of my purchase experience was a very positive experience. Thank you very much Palvinder.
Lucinda G.
Winnipeg, MB
5.0
I am so thankful and grateful for the team at Birchwood Credit Solutions. In particular, Noy, for taking the time to get to know my background story to understand my goals and know why getting a vehicle was so important to me.
BreeAnne H.
Winnipeg, MB
5.0
I have had the privilege to work with Ryan B. on 2 different occasions and each time Ryan has gone above and beyond the call of duty. Exceptional customer service and communication and provides the utmost respect.
Arvin S.
Winnipeg, MB
5.0
We make auto financing easy with advice from our credit experts.
Palvinder J.
“I love being able to help my clients get into a reliable vehicle and also educate them on how to build their credit.”
Kreg H.
“I really enjoy getting to know each one of my clients and understanding how best to help them move forward in a positive way with their vehicle purchase. I appreciate every single person we’ve been able to help!”
Mike B.
“The best part of our job assisting our clients is when they tell me they never thought they would qualify to finance a good, reliable vehicle, and we’re able to find a way for Birchwood Credit to help.”
Chris M.
“When I’m reviewing your application
I’ll focus on your full financial picture—not just your credit score. That helps me create a realistic payment plan that suits your life.”
Josh D. V.
“When I’m reviewing your application
I’ll focus on your full financial picture—not just your credit score. That helps me create a realistic payment plan that suits your life.”
Franz L. V.
“I really enjoy helping customers when they go through difficult times and help them drive reliable vehicles to provide for their families.”
Questions? We've got answers
I recently arrived in Canada and have no credit history. Can I get a car loan?
Yes, we specialize in helping new Canadian residents secure a car loan.
If this is my first vehicle purchase, can I still get approved for financing?
Yes, we regularly secure vehicle financing for new drivers.
What is the minimum credit score for a car loan in Canada?
Credit bureaus typically rate your credit score on a scale from 300 to 900 with 300 being the lowest score and 900 being the highest. Lenders will look at your credit score to decide your creditworthiness, determining if you will be approved for a vehicle loan.
If you have a score of 620 or higher, you have average to good credit and will likely be approved for a car loan. A score lower than 620 likely means you’ll have a harder time getting a car loan from a traditional lender. However, though we do check credit scores, we look beyond the three-digit number and take into account your whole financial situation.
Do I need to make a down payment on the vehicle?
We generally don’t require down payments.
If I declare bankruptcy, how long before I can get credit?
It is very possible to get credit from day one after filing for bankruptcy without having to wait to be discharged.
Apply for auto financing
Getting a car loan shouldn’t be stressful. We only ask for the information we need and finishing your application takes less than five minutes.
Get started now!
